Capitec Pay
Country: South Africa (ZA) | Payment Rail: real_time_payment
OnlineBanking
Market Adoption: 40%
Capitec Pay is South Africa's premier open banking payment API, allowing Capitec Bank customers to approve checkout requests on their mobile apps.
🔄 User Payment Flow
- Customer selects Capitec Pay at checkout and inputs mobile or ID number
- Customer receives a push notification on their Capitec banking App
- Customer opens Capitec App, reviews payment details and enters PIN to authorize
- Bank executes real-time account debit and reports status to merchant
⚙️ Characteristics & Settlement
| Instant Payment | YES |
| Supports QR | NO |
| Supports Recurring | YES |
| Supports Refund | YES |
🛠️ Merchant Integration Steps
- Merchant calls gateway API with customer Capitec bank alias
- PSP triggers Capitec API mandate/collect request
- PSP triggers clearance callback instantly upon user App pin approval
🚀 Supported Payment Gateways & Acquirers (PSPs)
🔌 dLocal